FEMAFEMA-New-Media@fema.dhs.gov (FEMA New Media)Federal Emergency Management Agency (FEMA)FEMA New MediaFEMA-New-Media@fema.dhs.gov (FEMA New Media)Homeowner Flood Insurance Affordability Acthttps://www.fema.gov/media-library/collections/414
en-usPublic DomainOn March 21, 2014, President Obama signed the Homeowner Flood Insurance Affordability Act of 2014 into law. This law repeals and modifies certain provisions of the Biggert-Waters Flood Insurance Reform Act, which was enacted in 2012, and makes additional program changes to other aspects of the program not covered by that Act. Many provisions of the Biggert-Waters Flood Insurance Reform Act remain and are
still being implemented.
While FEMA actively works to implement the new law, we encourage policyholders to maintain and keep current flood insurance policies. FEMA does NOT recommend cancelling a flood insurance policy. Cancelling flood insurance policies now will leave policyholders unprotected during spring flooding and may cause policyholders to lose important discounts on their rate if they reinstate in the future.Sun, 15 Sep 2019 06:13:08 -0400Homeowner Flood Insurance Affordability ActHFIAA-Fact_Sheet_061114.pdfhttps://www.fema.gov/media-library/collections/414
https://s3-us-gov-west-1.amazonaws.com/dam-production/uploads/1403554319632-1f7fa7dc842b4195bd104bb88f182065/FEMA-HFIAA_Fact_Sheet_Side1_ToFEMA_061314_album_cover.jpgHomeowner Flood Insurance Affordability ActOn March 21, 2014, President Obama signed the Homeowner Flood Insurance Affordability Act of 2014 into law. This law repeals and modifies certain provisions of the Biggert-Waters Flood Insurance Reform Act, which was enacted in 2012, and makes additional program changes to other aspects of the program not covered by that Act. Many provisions of the Biggert-Waters Flood Insurance Reform Act remain and are
still being implemented.
While FEMA actively works to implement the new law, we encourage policyholders to maintain and keep current flood insurance policies. FEMA does NOT recommend cancelling a flood insurance policy. Cancelling flood insurance policies now will leave policyholders unprotected during spring flooding and may cause policyholders to lose important discounts on their rate if they reinstate in the future.cleanGroup Flood Insurance Policy: Making Survivors More Resilient<p>This video provides an overview of the Group Flood Insurance Policy (GFIP).&nbsp; FEMA administers the National Flood Insurance Program.&nbsp; The GFIP allows FEMA to purchase an introductory flood insurance policy for qualified FEMA applicants who receive a mandatory flood insurance requirement.</p>
<p>Video production coordinated through the Individuals and Households Program -&nbsp;Program Management Section, Program Coordination Team.</p><p>This video provides an overview of the Group Flood Insurance Policy (GFIP).&nbsp; FEMA administers the National Flood Insurance Program.&nbsp; The GFIP allows FEMA to purchase an introductory flood insurance policy for qualified FEMA applicants who receive a mandatory flood insurance requirement.</p>
<p>Video production coordinated through the Individuals and Households Program -&nbsp;Program Management Section, Program Coordination Team.</p><p>This video provides an overview of the Group Flood Insurance Policy (GFIP).&nbsp; FEMA administers the National Flood Insurance Program.&nbsp; The GFIP allows FEMA to purchase an introductory flood insurance policy for qualified FEMA applicants who receive a mandatory flood insurance requirement.</p>
<p>Video production coordinated through the Individuals and Households Program -&nbsp;Program Management Section, Program Coordination Team.</p>00:15:46cleanhttps://www.fema.gov/media-library/assets/videos/131056https://www.fema.gov/media-library/assets/videos/131056
Fri, 28 Apr 2017 09:47:25 -0400Group Flood Insurance Policy: Making Survivors More ResilientGroup Flood Insurance Policy: Making Survivors More ResilientGroup Flood Insurance Policy: Making Survivors More ResilientFederal Emergency Management Agency (FEMA)Federal Emergency Management Agency (FEMA)Flood Insurance Policy Lapse and Reinstatement<p>Peace of mind comes from knowing your clients&rsquo; most valuable investment&mdash;their home or business&mdash; is protected from the high cost of flooding. This fact sheet details four reasons your clients should renew their flood insurance polciy each year.</p><p>Peace of mind comes from knowing your clients&rsquo; most valuable investment&mdash;their home or business&mdash; is protected from the high cost of flooding. This fact sheet details four reasons your clients should renew their flood insurance polciy each year.</p><p>Peace of mind comes from knowing your clients&rsquo; most valuable investment&mdash;their home or business&mdash; is protected from the high cost of flooding. This fact sheet details four reasons your clients should renew their flood insurance polciy each year.</p>cleanhttps://www.fema.gov/media-library/assets/documents/126395https://www.fema.gov/media-library/assets/documents/126395
Thu, 20 Oct 2016 12:26:13 -0400Federal Emergency Management Agency (FEMA)Federal Emergency Management Agency (FEMA)Lower-Cost Rating Option For Buildings Newly Mapped Into High-Risk Areas<p>Learning that a new Flood Insurance Rate Map (FIRM) shows their home or business at a higher risk than before can be stressful and costly for your clients. But rating options to help ease the financial impact are available. One option available through the National Flood Insurance Program (NFIP) is the Newly Mapped procedure. This fact sheet explains the Newly Mapped procedure for your clients.</p><p>Learning that a new Flood Insurance Rate Map (FIRM) shows their home or business at a higher risk than before can be stressful and costly for your clients. But rating options to help ease the financial impact are available. One option available through the National Flood Insurance Program (NFIP) is the Newly Mapped procedure. This fact sheet explains the Newly Mapped procedure for your clients.</p><p>Learning that a new Flood Insurance Rate Map (FIRM) shows their home or business at a higher risk than before can be stressful and costly for your clients. But rating options to help ease the financial impact are available. One option available through the National Flood Insurance Program (NFIP) is the Newly Mapped procedure. This fact sheet explains the Newly Mapped procedure for your clients.</p>cleanhttps://www.fema.gov/media-library/assets/documents/126027https://www.fema.gov/media-library/assets/documents/126027
Mon, 17 Oct 2016 14:01:55 -0400Federal Emergency Management Agency (FEMA)Federal Emergency Management Agency (FEMA)Flood Insurance For Businesses<p>Whether you are a tenant or a building owner, a flood can devastate your business. You can reduce your risk of losing your business due to flooding with a flood insurance policy. This fact sheet explains what business owners need to know about flood insurance.</p><p>Whether you are a tenant or a building owner, a flood can devastate your business. You can reduce your risk of losing your business due to flooding with a flood insurance policy. This fact sheet explains what business owners need to know about flood insurance.</p><p>Whether you are a tenant or a building owner, a flood can devastate your business. You can reduce your risk of losing your business due to flooding with a flood insurance policy. This fact sheet explains what business owners need to know about flood insurance.</p>cleanhttps://www.fema.gov/media-library/assets/documents/126017https://www.fema.gov/media-library/assets/documents/126017
Mon, 17 Oct 2016 13:35:45 -0400Federal Emergency Management Agency (FEMA)Federal Emergency Management Agency (FEMA)Business and Other Non-Residential Flood Insurance Policies<p>On November 1, 2015, the National Flood Insurance Program (NFIP) began collecting additional information about non-residential properties in order to separate business buildings from other non-residential buildings. The additional information allows the NFIP to phase out subsidies for business buildings more quickly, as required by recent NFIP reform legislation. This fact sheet details changes affecting your non-residential book of business, and suggests ways to help your business clients save on flood insurance.</p><p>On November 1, 2015, the National Flood Insurance Program (NFIP) began collecting additional information about non-residential properties in order to separate business buildings from other non-residential buildings. The additional information allows the NFIP to phase out subsidies for business buildings more quickly, as required by recent NFIP reform legislation. This fact sheet details changes affecting your non-residential book of business, and suggests ways to help your business clients save on flood insurance.</p><p>On November 1, 2015, the National Flood Insurance Program (NFIP) began collecting additional information about non-residential properties in order to separate business buildings from other non-residential buildings. The additional information allows the NFIP to phase out subsidies for business buildings more quickly, as required by recent NFIP reform legislation. This fact sheet details changes affecting your non-residential book of business, and suggests ways to help your business clients save on flood insurance.</p>cleanhttps://www.fema.gov/media-library/assets/documents/126008https://www.fema.gov/media-library/assets/documents/126008
Mon, 17 Oct 2016 12:50:11 -0400Federal Emergency Management Agency (FEMA)Federal Emergency Management Agency (FEMA)The HFIAA Surcharge Fact Sheet<p>The National Flood Insurance Program (NFIP) policy now includes a new congressionally mandated annual surcharge required by the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA). This fact sheet is intended to educate policyholders on the amount of surcharge that is being applied to their policy and why, how to ensure they are being applied the appropriate surcharge, and who to contact for more information.</p><p>The National Flood Insurance Program (NFIP) policy now includes a new congressionally mandated annual surcharge required by the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA). This fact sheet is intended to educate policyholders on the amount of surcharge that is being applied to their policy and why, how to ensure they are being applied the appropriate surcharge, and who to contact for more information.</p><p>The National Flood Insurance Program (NFIP) policy now includes a new congressionally mandated annual surcharge required by the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA). This fact sheet is intended to educate policyholders on the amount of surcharge that is being applied to their policy and why, how to ensure they are being applied the appropriate surcharge, and who to contact for more information.</p>cleanhttps://www.fema.gov/media-library/assets/documents/105569https://www.fema.gov/media-library/assets/documents/105569
Fri, 24 Apr 2015 12:56:43 -0400Federal Emergency Management Agency (FEMA)Federal Emergency Management Agency (FEMA)How April 2015 Program Changes Will Affect Flood Insurance Premiums<p>The National Flood Insurance Program (NFIP) is in the process of implementing Congressionally mandated reforms required by the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA) that repeal and modify the Biggert- Waters Flood Insurance Reform Act of 2012 (Biggert-Waters). Flood insurance rates and other charges will be revised for new or existing policies beginning on April 1, 2015 and a summary of those changes are included in this fact sheet.</p><p>The National Flood Insurance Program (NFIP) is in the process of implementing Congressionally mandated reforms required by the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA) that repeal and modify the Biggert- Waters Flood Insurance Reform Act of 2012 (Biggert-Waters). Flood insurance rates and other charges will be revised for new or existing policies beginning on April 1, 2015 and a summary of those changes are included in this fact sheet.</p><p>The National Flood Insurance Program (NFIP) is in the process of implementing Congressionally mandated reforms required by the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA) that repeal and modify the Biggert- Waters Flood Insurance Reform Act of 2012 (Biggert-Waters). Flood insurance rates and other charges will be revised for new or existing policies beginning on April 1, 2015 and a summary of those changes are included in this fact sheet.</p>cleanhttps://www.fema.gov/media-library/assets/documents/99601https://www.fema.gov/media-library/assets/documents/99601
Wed, 22 Oct 2014 14:58:57 -0400Federal Emergency Management Agency (FEMA)Federal Emergency Management Agency (FEMA)Flood Insurance for Businesses: Impacts of Recent Legislation<p>This fact sheet provides an overview of the changes business owners should expect, as the National Flood Insurance Program (NFIP) implements reforms as required by the Homeowner Flood Insurance Affordability Act of 2014 and the Biggert-Waters Flood Insurance Reform Act of 2012 (Biggert-Waters).</p><p>This fact sheet provides an overview of the changes business owners should expect, as the National Flood Insurance Program (NFIP) implements reforms as required by the Homeowner Flood Insurance Affordability Act of 2014 and the Biggert-Waters Flood Insurance Reform Act of 2012 (Biggert-Waters).</p><p>This fact sheet provides an overview of the changes business owners should expect, as the National Flood Insurance Program (NFIP) implements reforms as required by the Homeowner Flood Insurance Affordability Act of 2014 and the Biggert-Waters Flood Insurance Reform Act of 2012 (Biggert-Waters).</p>cleanhttps://www.fema.gov/media-library/assets/documents/97343https://www.fema.gov/media-library/assets/documents/97343
Tue, 29 Jul 2014 12:59:03 -0400Federal Emergency Management Agency (FEMA)Federal Emergency Management Agency (FEMA)Flood Insurance Premium Refunds<p>This fact sheet provides an overview of what some eligible policyholders can expect in refunds later this year. While the Homeowner Flood Insurance Affordability Act of 2014 is implemented, which repeals and modifies the Biggert-Waters Flood Insurance Reform Act of 2012, it is important for policyholders to maintain and keep their current flood insurance policies. Allowing policies to lapse will leave policyholders financially unprotected. Policyholders who have questions about their flood insurance policies should contact their insurance agents.</p>
<p>This fact sheet provides an overview of what some eligible policyholders can expect in refunds later this year. While the Homeowner Flood Insurance Affordability Act of 2014 is implemented, which repeals and modifies the Biggert-Waters Flood Insurance Reform Act of 2012, it is important for policyholders to maintain and keep their current flood insurance policies. Allowing policies to lapse will leave policyholders financially unprotected. Policyholders who have questions about their flood insurance policies should contact their insurance agents.</p>
<p>This fact sheet provides an overview of what some eligible policyholders can expect in refunds later this year. While the Homeowner Flood Insurance Affordability Act of 2014 is implemented, which repeals and modifies the Biggert-Waters Flood Insurance Reform Act of 2012, it is important for policyholders to maintain and keep their current flood insurance policies. Allowing policies to lapse will leave policyholders financially unprotected. Policyholders who have questions about their flood insurance policies should contact their insurance agents.</p>
cleanhttps://www.fema.gov/media-library/assets/documents/96853https://www.fema.gov/media-library/assets/documents/96853
Tue, 08 Jul 2014 10:47:38 -0400Federal Emergency Management Agency (FEMA)Federal Emergency Management Agency (FEMA)Changes to the National Flood Insurance Program – What to ExpectThis presentation is intended to provide information regarding the impacts of new legislation called the Homeowner Flood Insurance Affordability Act of 2014, and changes to the National Flood Insurance Program (NFIP), which include the previously passed reform legislation called the Biggert-Waters Flood Insurance Reform Act of 2012.This presentation is intended to provide information regarding the impacts of new legislation called the Homeowner Flood Insurance Affordability Act of 2014, and changes to the National Flood Insurance Program (NFIP), which include the previously passed reform legislation called the Biggert-Waters Flood Insurance Reform Act of 2012.This presentation is intended to provide information regarding the impacts of new legislation called the Homeowner Flood Insurance Affordability Act of 2014, and changes to the National Flood Insurance Program (NFIP), which include the previously passed reform legislation called the Biggert-Waters Flood Insurance Reform Act of 2012.cleanhttps://www.fema.gov/media-library/assets/documents/96449https://www.fema.gov/media-library/assets/documents/96449
Tue, 24 Jun 2014 14:20:01 -0400Federal Emergency Management Agency (FEMA)Federal Emergency Management Agency (FEMA)Higher Floodplain Management Standards: A Valuable Element in Community Planning<p>Freeboard is a term used by FEMA&rsquo;s National Flood Insurance Program (NFIP) to describe a factor of safety usually expressed in feet above the 1-percent-annual-chance flood level. The NFIP requires the lowest floor of structures built in Special Flood Hazard Areas (SFHAs) to be at or above the BFE, so a structure built with freeboard would have its lowest floor 1 foot or more above the BFE. Adding freeboard will reduce NFIP insurance premiums.</p><p>Freeboard is a term used by FEMA&rsquo;s National Flood Insurance Program (NFIP) to describe a factor of safety usually expressed in feet above the 1-percent-annual-chance flood level. The NFIP requires the lowest floor of structures built in Special Flood Hazard Areas (SFHAs) to be at or above the BFE, so a structure built with freeboard would have its lowest floor 1 foot or more above the BFE. Adding freeboard will reduce NFIP insurance premiums.</p><p>Freeboard is a term used by FEMA&rsquo;s National Flood Insurance Program (NFIP) to describe a factor of safety usually expressed in feet above the 1-percent-annual-chance flood level. The NFIP requires the lowest floor of structures built in Special Flood Hazard Areas (SFHAs) to be at or above the BFE, so a structure built with freeboard would have its lowest floor 1 foot or more above the BFE. Adding freeboard will reduce NFIP insurance premiums.</p>cleanhttps://www.fema.gov/media-library/assets/documents/96411https://www.fema.gov/media-library/assets/documents/96411
Mon, 23 Jun 2014 15:52:51 -0400Federal Emergency Management Agency (FEMA)Federal Emergency Management Agency (FEMA)Homeowner Flood Insurance Affordability Act of 2014The National Flood Insurance Program (NFIP) is in the process of implementing Congressionally mandated reforms required by the Homeowner Flood Insurance Affordability Act of 2014 that repeal and modify the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12). This fact sheet provides an overview of the changes to flood insurance rates under the NFIP. While the new law is implemented, policyholders are encouraged to maintain and keep their current flood insurance policies. Allowing policies to lapse will leave policyholders unprotected. Policyholders who have questions about their flood insurance policies should contact their insurance agent.The National Flood Insurance Program (NFIP) is in the process of implementing Congressionally mandated reforms required by the Homeowner Flood Insurance Affordability Act of 2014 that repeal and modify the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12). This fact sheet provides an overview of the changes to flood insurance rates under the NFIP. While the new law is implemented, policyholders are encouraged to maintain and keep their current flood insurance policies. Allowing policies to lapse will leave policyholders unprotected. Policyholders who have questions about their flood insurance policies should contact their insurance agent.The National Flood Insurance Program (NFIP) is in the process of implementing Congressionally mandated reforms required by the Homeowner Flood Insurance Affordability Act of 2014 that repeal and modify the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12). This fact sheet provides an overview of the changes to flood insurance rates under the NFIP. While the new law is implemented, policyholders are encouraged to maintain and keep their current flood insurance policies. Allowing policies to lapse will leave policyholders unprotected. Policyholders who have questions about their flood insurance policies should contact their insurance agent.cleanhttps://www.fema.gov/media-library/assets/documents/95946https://www.fema.gov/media-library/assets/documents/95946
Thu, 12 Jun 2014 12:22:28 -0400Federal Emergency Management Agency (FEMA)Federal Emergency Management Agency (FEMA)Homeowner Flood Insurance Affordability Act<p>A fact sheet about the Homeowner Flood Insurance Affordability Act of 2014. This law repeals and modifies certain provisions of the Biggert-Waters Flood Insurance Reform Act and makes additional program changes to other aspects of the National Flood Insurance Program.</p><p>A fact sheet about the Homeowner Flood Insurance Affordability Act of 2014. This law repeals and modifies certain provisions of the Biggert-Waters Flood Insurance Reform Act and makes additional program changes to other aspects of the National Flood Insurance Program.</p><p>A fact sheet about the Homeowner Flood Insurance Affordability Act of 2014. This law repeals and modifies certain provisions of the Biggert-Waters Flood Insurance Reform Act and makes additional program changes to other aspects of the National Flood Insurance Program.</p>cleanhttps://www.fema.gov/media-library/assets/documents/93074https://www.fema.gov/media-library/assets/documents/93074
Tue, 01 Apr 2014 14:04:43 -0400Federal Emergency Management Agency (FEMA)Federal Emergency Management Agency (FEMA)